Money can be used for three things: a tool, a test, or a testimony. - Ron Blue

Happiness cannot be traveled to, owned, earned, worn or consumed. Happiness is the spiritual experience of living every minute with love, grace and gratitude. - Denis Waitley

"...the cost of a thing is the amount of what I call life which is required to be exchanged for it, immediately or in the long run." ~Thoreau

By wisdom a house is built, and through understanding it is established; through knowledge its rooms are filled with rare and beautiful treasures. - Proverbs 24:3-4

The wise man saves for the future, but the foolish man spends whatever he gets. - Proverbs 21:20

WHICH of the following do you think is the best long-term investment?

	Savings accts./ CDs
	Real estate
	Stocks/ mutual funds
	Bonds
	Other

In the Media

Erin Baehr is the author of Your Money Matters, a biweekly personal finance column in the Pocono Record. You can find a collection of her articles in our Blog.

Erin has also been quoted in a number of articles and publications. Below are links to some:

What Low Interest Rates Mean for Young Spenders and Savers

Kiplinger.com - October 2011

What to Do With Old 401(k) Accounts

Kiplinger Magazine - May 2011 issue

Five Money Mistakes Moms Make- and How to Avoid Them

Baby Center - February 2011

Market Turmoil: Stay the Course or Sell the Farm?

Pocono Record - August 2011

Personal finance should be individualized in form of retirement plans, tax breaks and online banking

New York Daily News - November 1, 2010

A Financial Planner to Plan For